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Kogta Financial India Limited Credit Officer Interview Questions and Answers

Updated 13 Dec 2023

Kogta Financial India Limited Credit Officer Interview Experiences

1 interview found

Credit Officer Interview Questions & Answers

user image Anonymous

posted on 13 Dec 2023

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Nov 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - One-on-one 

(5 Questions)

  • Q1. One on one round to be clear.
    • Add your answer
  • Q2. Personal details discussed.
    • Add your answer
  • Q3. Educational qualification discussed.
    • Add your answer
  • Q4. Field activities discussed.
    • Add your answer
  • Q5. Area knowledge discussed.
    • Add your answer
Round 3 - Aptitude Test 

Nothing every thing is good.

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing every thing is excellence.

Top trending discussions

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Interview Tips & Stories
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Oxane Partners
Disappointing Interview Experience with D.E. Shaw
I recently interviewed with D.E. Shaw, and it turned out to be one of the most draining experiences I’ve had. The interviewer’s approach felt unnecessarily harsh and dismissive, which made the entire process uncomfortable. At multiple points, the interviewer asked me to drop off the call, even when I tried asking basic questions about the designation, job description, and other details. After the interview, I found myself sitting there for a few minutes, trying to process what just happened. It left me questioning the overall tone and professionalism of the interview. Definitely not the experience I was expecting from such a well-known firm.
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Interview questions from similar companies

Credit Officer Interview Questions & Answers

Mahindra Rural Housing Finance user image YOGESH KUMAR KUMAWAT

posted on 23 Sep 2022

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-

I applied via Referral and was interviewed in Jun 2023. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - One-on-one 

(1 Question)

  • Q1. Self and profile
    • Add your answer

Interview Preparation Tips

Topics to prepare for Mahindra Rural Housing Finance Credit Officer interview:
  • Greduated
Interview preparation tips for other job seekers - Good company

Credit Officer Interview Questions & Answers

MAS Financial Services user image Anonymous

posted on 21 Oct 2022

I applied via Approached by Company and was interviewed in Sep 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Bank vs NBFC differences
  • Ans. 

    Banks are regulated by RBI, while NBFCs are regulated by Companies Act. Banks can accept demand deposits, while NBFCs cannot.

    • Banks are financial institutions that are regulated by the Reserve Bank of India (RBI), while Non-Banking Financial Companies (NBFCs) are regulated by the Companies Act.

    • Banks can accept demand deposits, while NBFCs cannot.

    • Banks can issue cheques and demand drafts, while NBFCs cannot.

    • Banks can off...

    • Answered by AI
    View 1 more answer
  • Q2. How to assess cashflow n liquidity
  • Ans. 

    Assessing cashflow and liquidity involves analyzing financial statements and ratios to determine the ability of a company to meet its financial obligations.

    • Reviewing cash flow statements to determine the inflow and outflow of cash

    • Analyzing liquidity ratios such as current ratio and quick ratio

    • Assessing the company's ability to generate cash through operations

    • Evaluating the company's debt-to-equity ratio and debt servic...

    • Answered by AI
    View 2 more answers
Round 3 - One-on-one 

(1 Question)

  • Q1. Basic knowledge of background check of company n various loan products offered by nbfcs
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Good career starting job for freshers.
Be in formal attire and read about recent nbfc frauds n fintech related rbi guidelines.

Credit Officer Interview Questions & Answers

Aavas Financiers user image Anonymous

posted on 16 Aug 2022

I applied via Referral and was interviewed in Feb 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Properly align and format text in your resume. A recruiter will have to spend more time reading poorly aligned text, leading to high chances of rejection.
View all tips
Round 2 - Technical 

(2 Questions)

  • Q1. Core question of financial work.
    • Add your answer
  • Q2. Loan related norms like LTV FOIR
    • Add your answer
Round 3 - HR 

(1 Question)

  • Q1. Same as was in technical.
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - At least related qualifications, Basic knowledge of loan and banking, all other aspect of knowledge like tax, account, auditing etc.

Credit Officer Interview Questions & Answers

IKF Finance user image GattuPalli Kalyana Chakravarthy

posted on 16 Jun 2022

I applied via Company Website and was interviewed before Jun 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Double-check your resume for any spelling mistakes. The recruiter may consider spelling mistakes as careless behavior or poor communication skills.
View all tips
Round 2 - One-on-one 

(1 Question)

  • Q1. Why do you want to leave your present Job ?
    • View 4 more answers

Interview Preparation Tips

Interview preparation tips for other job seekers - IKF Finance is the best place I have ever worked in finance industry.

Credit Officer Interview Questions & Answers

Mahindra Rural Housing Finance user image Rupesh Kushwah

posted on 17 Jul 2023

Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Do not use an unprofessional email address such as cool_boy@email.com. It shows a lack of professionalism by the candidate.
View all tips
Round 2 - HR 

(2 Questions)

  • Q1. What is your experience
    • Add your answer
  • Q2. Which organisation
  • Ans. 1.Manappuram finance limited 3year A. 2 year gold loan opretion B. 1 year micro home finance ( sales) 2. Mahindra rural housing finance Opretion ( cashier account)
    • Answered by Rupesh Kushwah
    Add your answer

Credit Officer Interview Questions & Answers

MAS Financial Services user image Anonymous

posted on 27 Nov 2021

Interview Questionnaire 

3 Questions

  • Q1. They just want low cost employee that's it.
    • Add your answer
  • Q2. No questions asked. They will simply ask kab join karoge??
    • Add your answer
  • Q3. Chutti wutti nahi milegi. Kaam karna padega 9 baje tak .
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Clearly reflects lack of professionalism and corporate culture.
Purely DESI

Credit Officer Interview Questions & Answers

Mahindra Rural Housing Finance user image rajkumar

posted on 10 Apr 2022

I applied via Referral

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Be truthful in your resume. It is very easy to catch false or lies during the interview by asking basic questions.
View all tips
Round 2 - HR 

(2 Questions)

  • Q1. Where do you see yourself in 5 years?
    • Add your answer
  • Q2. Tell me about yourself.
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - This is a good company good salary and Bonas, over all this is good company

Credit Officer Interview Questions & Answers

MAS Financial Services user image Anonymous

posted on 3 Sep 2022

I applied via Walk-in and was interviewed in Mar 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Be honest with your years of experience. All information you share will be verified at the time of joining.
View all tips
Round 2 - Group Discussion 

Credit Apprisal, Process of Loan disbursement, KYC DOCUMENTS VERIFICATION

Round 3 - HR 

(2 Questions)

  • Q1. Previous work experience
    • Add your answer
  • Q2. Nananaanaananamamamamam
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Confidant and basic knowledge of finance

Credit Officer Interview Questions & Answers

Mahindra Rural Housing Finance user image Anonymous

posted on 14 Dec 2021

I applied via Recruitment Consultant and was interviewed in Jun 2021. There was 1 interview round.

Interview Questionnaire 

14 Questions

  • Q1. The first question was, tell me about yourself.
    • View 2 more answers
  • Q2. Then where you used to work what was the work that you used to work according to the policy
    • Add your answer
  • Q3. Fir aap agr gramin me loan kro ge to waha kese log hote h un ki income ka koi docoment nhi hota h to aap kese us ki income dekho ge or aap kin kin bato ka dhyan rkho ge
    • Add your answer
  • Q4. If a farmer does farming, then how will you get his income, then I told that he will take the value of the crop which is harvested from his land and then he sold it in the market.
    • Add your answer
  • Q5. If his crop comes in 6 months, after seeing the bill of 1 year, he will take out that confeda and then give loan to him.
  • Ans. 

    The statement is unclear and needs clarification.

    • The question needs to be rephrased for better understanding.

    • It is unclear what 'confeda' means in this context.

    • More information is needed about the borrower's creditworthiness and repayment history.

    • The loan officer should assess the borrower's ability to repay the loan based on their income and expenses.

    • The loan officer should also consider the risks associated with lend

    • Answered by AI
    View 1 more answer
  • Q6. Rest of the general information you should know about the department in which you are applying.
    • Add your answer
  • Q7. And you need to be confident
    • Add your answer
  • Q8. How to answer your question Question: Answering you the same way: Do not add something to B:
    • Add your answer
  • Q9. You must have that Confidence and Attitude in your voice for the post you are applying for.
    • Add your answer
  • Q10. That's my only advice
    • Add your answer
  • Q11. The rest of the field you are going to be aware of.
    • Add your answer
  • Q12. And I told you that you have to go to another branch for some reason, so I did not say yes because it happens in very less chance.
    • Add your answer
  • Q13. Mahindra good company
    • Add your answer
  • Q14. I am looking for job in mahindra
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Whether your video is calling or face to face, take care of dressing
More about working at Kogta Financial India Limited

Kogta Financial India Limited Interview FAQs

How many rounds are there in Kogta Financial India Limited Credit Officer interview?
Kogta Financial India Limited interview process usually has 3 rounds. The most common rounds in the Kogta Financial India Limited interview process are Resume Shortlist, One-on-one Round and Aptitude Test.
How to prepare for Kogta Financial India Limited Credit Officer interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Kogta Financial India Limited. The most common topics and skills that interviewers at Kogta Financial India Limited expect are Credit Appraisal, Lap, Business Loan, Credit Assessment and Credit Management.
What are the top questions asked in Kogta Financial India Limited Credit Officer interview?

Some of the top questions asked at the Kogta Financial India Limited Credit Officer interview -

  1. Area knowledge discuss...read more
  2. One on one round to be cle...read more
  3. Educational qualification discuss...read more

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Kogta Financial India Limited Credit Officer Salary
based on 6 salaries
₹2.5 L/yr - ₹3.5 L/yr
18% less than the average Credit Officer Salary in India
View more details

Kogta Financial India Limited Credit Officer Reviews and Ratings

based on 44 reviews

4.8/5

Rating in categories

4.7

Skill development

4.6

Work-Life balance

4.2

Salary & Benefits

4.7

Job Security

4.7

Company culture

4.5

Promotions/Appraisal

4.6

Work Satisfaction

Explore 44 Reviews and Ratings
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